Jane Q. Consumer 123 Main Street Anytown, USA 12345 SSN: xxx-xx-1234 May 21, 2012 Ref #: 000-111-2222 To Whom It May Concern: I would like to dispute the following item on my credit report: Big Bank Mortgage Services. Partial account number 5678. Opened 6/3/2000 My credit report shows a 30-day late payment in the amount of $631.75 for May 2011. However, I was not late. I have enclosed copies of my statements for April, May and June 2011 that together clearly show my payment for May was not 30 days late. Please correct this as soon as possible. Thank you, Jane Q. Consumer Jane Q. Consumer